SOC 15-2011

Actuary Salary in Cincinnati, OH-KY-IN (2026)

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + OH + Municipal
COL Index: 96.68 (-3.3% vs US)
Net Compensation Yield 70.1% Realized
$76,258 / net annual direct deposit
Gross Adjusted $108,770 $52.29/hr
Effective Tax Drag 23.89% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$25,985 $999.44/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $52.29 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$6,526/yr)
0% Tax Shield: ~$1,436/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$13,664
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$6,744
Medicare Hospital Insurance
Statutory 1.45%
-$1,577
Ohio Individual Income Tax
State Marginal Bracket
-$2,043
Cincinnati city income tax
1.80%
-$1,958
Net Take-Home Annual Realized
$76,258 ($2,933.01 / check)
Category 2 of 6

Cincinnati, OH-KY-IN Actuary Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $108,770
MIDDLE 50% (IQR RANGE) 10th $81.1k 25th $94.9k Median: $108,770 50th (Median) $109k 75th $154k 90th $175k You: $108,770
10th (Entry) $81,120 $39.00/hr
25th (Junior) $94,890 $45.62/hr
50th (Median) $108,770 $52.29/hr
75th (Senior) $153,960 $74.02/hr
90th (Lead/Master) $175,190 $84.23/hr
Career Progression & Licensing Milestones for Actuary in Cincinnati, OH-KY-IN
1
Actuarial Student / AnalystPassing SOA/CAS preliminary exams (P, FM), statistical modeling, Excel/R
$63,589$30.57/hr · 0-2 Years
2
Associate of Society of Actuaries (ASA)Pricing models, reserving analysis, actuarial valuation tables
$97,056$46.66/hr · 2-5 Years
3
Fellow of Society of Actuaries (FSA)Product development, statutory asset-liability management (ALM)
$132,197$63.56/hr · 5-8 Years
4
Chief Actuary / Risk OfficerInstitutional solvency governance, reinsurance negotiation, pricing oversight
$179,889$86.49/hr · 8+ Years
Scaled to the Cincinnati, OH-KY-IN medianView National Actuary Salary Data
Adjacent Career Pivots & National Pay Differences
Economists-$5,280/yr
National median: $124,720
Skill overlap: 94%
Accountants and Auditors-$46,320/yr
National median: $83,680
Skill overlap: 93%View Salary
Personal Financial Advisors-$24,930/yr
National median: $105,070
Skill overlap: 89%
Compensation, Benefits, and Job Analysis Specialists-$51,790/yr
National median: $78,210
Skill overlap: 88%
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in Cincinnati, OH-KY-IN under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
18% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,128/month Requires minimum annual gross of $45,120
HUD Fair Market Rent (2-Bedroom) $1,442/month Requires minimum annual gross of $57,680
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $21.38/hr
Per adult, 2 working adults + 1 child: $21.46/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in Cincinnati, OH-KY-IN.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$108,770-$25,985$76,258$2,933.01
+5h Overtime/Wk45 hrs$129,164-$32,658$88,757$3,413.73
+10h Overtime/Wk50 hrs$149,559-$39,705$100,880$3,880.00
+15h Overtime/Wk55 hrs$169,953-$46,761$112,995$4,345.97
+20h Overtime/Wk60 hrs$190,348-$53,454$125,473$4,825.89
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

Actuary in Cincinnati, OH-KY-IN: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and Ohio tax codes.

Market Baseline
$108,770/yr
$52.29/hr · SOC 15-2011
Statutory Tax Drag
23.89% Effective
-$25,985 in Total Taxes
HUD 1BR Shelter Ratio
18% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$5,227/mo
Post-$1,128/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 15-2011
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

Actuary in Cincinnati, OH-KY-IN: Market Snapshot

Actuary roles in Cincinnati, OH-KY-IN report a median annual wage of $108,770, 16.3% below the national median of $130,000. The 10th to 90th percentile band runs from $81,120 to $175,190, and HUD’s $1,128 monthly one-bedroom fair market rent equals 12.4% of that median gross pay. The single-adult living wage benchmark for the area is $21.38 per hour.

Highest-paying metropolitan areas for Actuary

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$194,130+78.5%
San Francisco-Oakland-Fremont, CA$175,330+61.2%
Hartford-West Hartford-East Hartford, CT$166,800+53.4%
Las Vegas-Henderson-North Las Vegas, NV$163,350+50.2%
New York-Newark-Jersey City, NY-NJ$161,460+48.4%
Washington-Arlington-Alexandria, DC-VA-MD-WV$144,680+33.0%
Waterbury-Shelton, CT$143,430+31.9%
Raleigh-Cary, NC$142,180+30.7%
New Haven, CT$141,020+29.6%
Miami-Fort Lauderdale-West Palm Beach, FL$139,810+28.5%

Top-paying occupations benchmarked in Cincinnati, OH-KY-IN

OccupationMedian annual wageMedian hourly
Chief Executives$207,170$99.60/hr
Architectural and Engineering Managers$177,160$85.17/hr
Computer and Information Systems Managers$169,530$81.50/hr
Natural Sciences Managers$164,300$78.99/hr
Financial Manager$152,700$73.41/hr
Purchasing Managers$150,190$72.21/hr
Marketing Managers$145,770$70.08/hr
Sales Managers$138,790$66.73/hr
Compensation and Benefits Managers$136,220$65.49/hr
Data Engineer$134,480$64.65/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 72 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

Actuary Salary in Cincinnati, OH-KY-IN (2026) Overview

Actuary median pay in Cincinnati, OH-KY-IN is $108,770 a year ($52.29/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents and living wage. Official 2026 economic data for Actuary in Cincinnati, OH-KY-IN compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
What is the median salary for an Actuary in Cincinnati, OH-KY-IN?

The median annual wage is $108,770 ($52.29 per hour). The middle 80% of earners make between $81,120 and $175,190. Source: BLS OEWS (May 2025).

What is the take-home pay for an Actuary in Cincinnati, OH-KY-IN after taxes?

On the median wage of $108,770, a single filer with no pre-tax deductions takes home about $81,169 a year ($6,764 a month) after $27,601 in federal, FICA, state and local taxes, an effective rate of 25.38%, using 2026 tax rules.